Old Second Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Old Second Bancorp has total assets of $5.6B and total equity of $596.2M. Total deposits are $4.6B, and total loans are $3.9B earning a Net Interest Margin of 4.7%. It has insufficient allowance for bad loans, which are currently at 1.6% of total loans. Cash and short-term investments are $104.1M.
Key information
9.4x
Asset to equity ratio
4.7%
Net interest margin
| Total deposits | US$4.61b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$104.14m |
Recent financial health updates
No updates
Recent updates
Old Second Bancorp (NASDAQ:OSBC) Is Paying Out A Dividend Of $0.05
Apr 21
Here's Why We Think Old Second Bancorp (NASDAQ:OSBC) Is Well Worth Watching
Jan 30Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05
Oct 21Old Second Bancorp's (NASDAQ:OSBC) Dividend Will Be $0.05
Jul 22Old Second Bancorp (NASDAQ:OSBC) Has Announced A Dividend Of $0.05
Apr 21Rainbows and Unicorns: Old Second Bancorp, Inc. (NASDAQ:OSBC) Analysts Just Became A Lot More Optimistic
Jan 28Old Second Bancorp (NASDAQ:OSBC) Has Affirmed Its Dividend Of $0.05
Jan 21Old Second Bancorp Expects Big Gains From Higher Rates, Inflation
Sep 26O2 Sponsor Finance provides senior secured credit facilities to support Prospect Partners' recapitalization of Blackwood Solutions
Sep 19Old Second Bancorp declares $0.05 dividend
Jul 21Old Second Bancorp (NASDAQ:OSBC) Is Due To Pay A Dividend Of US$0.05
Apr 23Old Second Bancorp, Inc. (NASDAQ:OSBC) Analysts Just Slashed This Year's Revenue Estimates By 13%
Jul 24Is Now The Time To Put Old Second Bancorp (NASDAQ:OSBC) On Your Watchlist?
Jun 07Old Second Bancorp, Inc.'s (NASDAQ:OSBC) CEO Will Probably Find It Hard To See A Huge Raise This Year
May 12Have Insiders Sold Old Second Bancorp, Inc. (NASDAQ:OSBC) Shares Recently?
Mar 12Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OSBC's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: OSBC has a low allowance for bad loans (68%).
Low Risk Liabilities: 92% of OSBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: OSBC has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: OSBC's Loans to Deposits ratio (85%) is appropriate.
Level of Bad Loans: OSBC has an appropriate level of bad loans (1.6%).